Prepare for Your visit

 

Please bring these items with you to the office for each visit:

 

insurance cards;

orders, referrals or pre-certification numbers/information from your physician;

valid driver's license or state identification card; 

payment for your co-pay, deductible, and any services that are not covered by your health insurance plan

 

 

Health Insurance Benefit Plans and Coverage

 

There is no doubt that health insurance benefit plans are confusing. Most plans do not provide 100% coverage for the services provided. Each plan has its own set of rules, exclusions and services that are not covered.

 

Please make sure to be familiar with your specific benefit plan. If you are unsure of your coverage for a particular medical procedure or test, please call the customer service telephone number on your insurance card before scheduling a Visit/ procedure.

 

Your health insurance policy is a contract between you and your insurance company. As a service to you, Our institute will send a claim to your health insurance company. By working together, we can minimize misunderstandings, payment delays and billing costs. However, you are responsible for any charges not covered by your health insurance benefit plan. 

 

 

Prior Certification and Notification

 

Depending on your plan, you may be required to get approval (pre-certification) before you receive services.We will assist you in doing that, but if you don't obtain approval from your insurance company, you are responsible for paying for your medical care. Also, obtaining approval does not guarantee that the cost of the service is completely covered by your benefit plan. You will still be responsible for any charges not covered by your benefit plan. 

 

 

Keeping Records

 

Please ensure that your health benefit plan meets its obligations to you and pays everything it should. An important step in doing that is to keep every hospital (and physician) bill you receive. Likewise, keep all the documentation sent by your health insurance plan. In this way, you can compare the payments made by your insurance company against your health benefit plan.

 

 

Questions About Your Bill?

 

Our billing dept is available to assist you with questions concerning your bill. Call Customer Service at 850-522-5490 weekdays from 7:00 a.m. until 4:00 p.m 

 

 

Medicare Policies

 

Please remember to bring your identification and insurance card with you at each visit. We bill Medicare for our services. Supplemental insurance will also be billed, at the patient's request, if information is provided at the time of service. Patients are responsible for any charges not covered by Medicare and/or supplemental insurance. 

 

 

Advanced Beneficiary Notice

 

Medicare patients may also be presented with an advanced beneficiary notice (ABN) prior to services being rendered. This notice indicates that Medicare has determined, based on information provided from your physician, that the service to be provided is not considered medically necessary and will not be paid by Medicare. This notice is required to be provided to you prior to the service being performed and you have the choice to continue with the service and pay the cost or decline the service.

 

Part B Deductible: (covers Medicare eligible physician services)

 

$147.00 deductible per year. In addition to your deductible, you may be responsible for the following:

Coinsurance

Services considered non covered by Medicare

Services considered not medically necessary by Medicare

 

 

Blue Cross Policies

 

We bill all Blue Cross plans for the services provided. Blue Cross plans generally have deductibles and/or coinsurances.

 

The deductible is an annual expense which you must pay before your insurance benefits can begin.

 

Coinsurance is the portion of the total bill which is the patient and guarantor's responsibility to pay. 

 

 

Medicaid

 

If you have Florida Medicaid coverage, we will submit a bill for you. We accept assignment, but you are responsible for any co-payment. You should present a valid Florida Medicaid card at the time of service.  

 

 

Contact Info

Contact us today to schedule your appointment.

 

 

The Institute of Endocrinology

Diabetes | Health | Hormones | Weight Loss | Medical Spa

Panama City Office

633 E Baldwin Rd, Panama City, FL

   (850) 522.5490

 

Destin Office

1241 Airport Road, Suite M, Destin, Florida

   (850) 460.7090

 

 

 

 

 

 

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